Falling into the mortgage business more than 24 years ago, Nicole Lambros began in a support role and quickly realized her calling. Frustrated by the cold, male-dominated landscape she first encountered, she made it her mission to lead with heart, hustle and a personal touch that turns first-time buyers into lifelong clients. Drawing on her retail background, Lambros built a career on connection, trust and an instinct for making people feel supported during life’s biggest purchases.

As a producing branch manager at Preferred Rate, Lambros specializes in a wide range of home loan solutions including FHA, VA, USDA, conventional, luxury, construction and investment properties. Licensed in Illinois, Indiana and Florida, she works closely with self-employed borrowers and relocation clients alike. Her business is largely referral-based, with real estate partners and past clients praising her warmth, responsiveness and ability to demystify the lending process. Backed by a skilled in-house team, she offers each client a smooth, supportive journey — what she calls the “mortgage cocoon”.

Lambros has been ranked in the Scotsman Guide’s 2025 Top Originators and Top Women Originators lists, and remains the top producer at her firm. Among her standout accomplishments are closing the largest MLS-listed home in Northwest Indiana, and mentoring a growing team while staying true to her relationship-first style.

A proud mom and accomplished singer, Lambros is energized by family time, travel and music. She shares her home with her husband, Eric, two children and their beloved pets. Whether helping clients build wealth or singing with friends, she brings joy, empathy and excellence to all she does.

Rate, Inc. is a private corporation organized under the laws of the state of Delaware. It has no affiliation with the U.S. Department of Housing and Urban Development, the U.S. Department of Veterans Affairs, the U.S. Department of Agriculture or any other government agency.